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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at Rabobank
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RabobankRabo DoelSparen

Deposit · 3 years · Coöperatieve Rabobank U.A. · Netherlands · Directly at the bank
Open an account at Rabobank
Rate
1.90%
3 years fixed
Your return on €25,000
€475
per year, annualised · €1,452 total over 3 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 3 years: €1,452.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,452After 1 month: €39.58 rate · balance €25,039.58After 2 months: €79.17 rate · balance €25,079.17After 3 months: €118.75 rate · balance €25,118.75After 4 months: €158.33 rate · balance €25,158.33

Rate and conditions

BalanceRate
€0 – and up1.90%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
18 Feb 2026
Access
3 years fixed · early withdrawal with loss of interest
Term
3 years
Minimum deposit
none
Maximum deposit
not stated
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Vaste rente voor een zelf gekozen einddatum 3 tot 4 jaar vooruit; bijstorten kan, opnemen vóór de einddatum kost 1% over het opgenomen bedrag
  • Na de einddatum geldt een variabele rente
  • Een Rabobank betaalrekening is nodig

Deposit guarantee

€25,000 fully protected
Dutch scheme

Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
Coöperatieve Rabobank U.A.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS) (Netherlands)
Guarantee
€100,000 per person per institution
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026
Taxes
Country
Netherlands
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Nederland kent geen bronbelasting op spaarrente.

Rate history

1.90% since 15 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Rabobank →All savings products of Rabobank →

  • 15 Sep 2026New: Rabobank – Rabo DoelSparen (36 mo) 1.90%

Rate checked on 16 Sep 2026.

Other offers from Rabobank

Instant access · 1.50% · DirectInstant access · 1.85% · Direct6 months · 1.50% · Direct1 year · 1.65% · Direct1 year · 1.65% · Direct1 year · 1.65% · Direct2 years · 1.80% · Direct4 years · 2.00% · Direct5 years · 2.35% · Direct6 years · 2.40% · Direct
After 5 months: €197.92 rate · balance €25,197.92After 6 months: €237.50 rate · balance €25,237.50After 7 months: €277.08 rate · balance €25,277.08After 8 months: €316.67 rate · balance €25,316.67After 9 months: €356.25 rate · balance €25,356.25After 10 months: €395.83 rate · balance €25,395.83After 11 months: €435.42 rate · balance €25,435.42After 12 months: €475.00 rate · balance €25,475.00After 13 months: €515.34 rate · balance €25,515.33After 14 months: €555.67 rate · balance €25,555.67After 15 months: €596.01 rate · balance €25,596.01After 16 months: €636.34 rate · balance €25,636.34After 17 months: €676.68 rate · balance €25,676.68After 18 months: €717.01 rate · balance €25,717.01After 19 months: €757.35 rate · balance €25,757.35After 20 months: €797.68 rate · balance €25,797.68After 21 months: €838.02 rate · balance €25,838.02After 22 months: €878.35 rate · balance €25,878.35After 23 months: €918.69 rate · balance €25,918.69After 24 months: €959.02 rate · balance €25,959.02After 25 months: €1,000.13 rate · balance €26,000.13After 26 months: €1,041.23 rate · balance €26,041.23After 27 months: €1,082.33 rate · balance €26,082.33After 28 months: €1,123.43 rate · balance €26,123.43After 29 months: €1,164.53 rate · balance €26,164.53After 30 months: €1,205.64 rate · balance €26,205.64After 31 months: €1,246.74 rate · balance €26,246.74After 32 months: €1,287.84 rate · balance €26,287.84After 33 months: €1,328.94 rate · balance €26,328.94After 34 months: €1,370.04 rate · balance €26,370.04After 35 months: €1,411.14 rate · balance €26,411.14After 36 months: €1,452.25 rate · balance €26,452.25
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,452After 1 month: €39.58 rate · balance €25,039.58After 2 months: €79.17 rate · balance €25,079.17After 3 months: €118.75 rate · balance €25,118.75After 4 months: €158.33 rate · balance €25,158.33After 5 months: €197.92 rate · balance €25,197.92After 6 months: €237.50 rate · balance €25,237.50After 7 months: €277.08 rate · balance €25,277.08After 8 months: €316.67 rate · balance €25,316.67After 9 months: €356.25 rate · balance €25,356.25After 10 months: €395.83 rate · balance €25,395.83After 11 months: €435.42 rate · balance €25,435.42After 12 months: €475.00 rate · balance €25,475.00After 13 months: €515.34 rate · balance €25,515.33After 14 months: €555.67 rate · balance €25,555.67After 15 months: €596.01 rate · balance €25,596.01After 16 months: €636.34 rate · balance €25,636.34After 17 months: €676.68 rate · balance €25,676.68After 18 months: €717.01 rate · balance €25,717.01After 19 months: €757.35 rate · balance €25,757.35After 20 months: €797.68 rate · balance €25,797.68After 21 months: €838.02 rate · balance €25,838.02After 22 months: €878.35 rate · balance €25,878.35After 23 months: €918.69 rate · balance €25,918.69After 24 months: €959.02 rate · balance €25,959.02After 25 months: €1,000.13 rate · balance €26,000.13After 26 months: €1,041.23 rate · balance €26,041.23After 27 months: €1,082.33 rate · balance €26,082.33After 28 months: €1,123.43 rate · balance €26,123.43After 29 months: €1,164.53 rate · balance €26,164.53After 30 months: €1,205.64 rate · balance €26,205.64After 31 months: €1,246.74 rate · balance €26,246.74After 32 months: €1,287.84 rate · balance €26,287.84After 33 months: €1,328.94 rate · balance €26,328.94After 34 months: €1,370.04 rate · balance €26,370.04After 35 months: €1,411.14 rate · balance €26,411.14After 36 months: €1,452.25 rate · balance €26,452.25
Per year
AfterInterest up to thenBalance
1 year€475€25,475
2 years€959€25,959
3 years€1,452€26,452

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe

7 years · 2.50% · Direct
8 years · 2.60% · Direct
9 years · 2.65% · Direct
10 years · 2.75% · Direct
11 years · 2.75% · Direct
12 years · 2.75% · Direct
13 years · 2.75% · Direct
14 years · 2.75% · Direct
15 years · 3.00% · Direct
16 years · 3.00% · Direct
17 years · 3.00% · Direct
18 years · 3.00% · Direct
19 years · 3.00% · Direct
20 years · 3.15% · Direct